1. The time limit is different. Account balance over the years refers to the accumulated residual balance in several years, and current account balance refers to the accumulated residual balance in a certain year of that year;

2. The scope of use is different. The balance of the account over the years can be used to pay the out-of-pocket expenses of outpatient and emergency departments and the remaining medical expenses after additional basic payment. The money in the account balance in that year can be used to pay for outpatient, emergency, pre-hospital first aid and designated retail pharmacies.

People's Republic of China (PRC) social insurance law

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations. Article 25

The state establishes and improves the basic medical insurance system for urban residents.

The basic medical insurance for urban residents adopts a combination of individual contributions and government subsidies.

People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. Will be subsidized by the government.